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  <xs:element id="eig_PerformanceShareAwardsMinimumPayout" abstract="false" name="PerformanceShareAwardsMinimumPayout" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="eig_PerformaneShareAwardsMaximumPayout" abstract="false" name="PerformaneShareAwardsMaximumPayout" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="eig_ScheduleOfEarningsPerShareBasicAndDilutedByCommonClassTable" abstract="true" name="ScheduleOfEarningsPerShareBasicAndDilutedByCommonClassTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="eig_DilutiveSecuritiesAxis" abstract="true" name="DilutiveSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="eig_DilutiveSecuritiesByTypeDomain" abstract="true" name="DilutiveSecuritiesByTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="eig_EarningsPerShareBasicAndDilutedByCommonClassLineItems" abstract="true" name="EarningsPerShareBasicAndDilutedByCommonClassLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="eig_SegmentNetIncomebeforetaxesAbstract" abstract="true" name="SegmentNetIncomebeforetaxesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="eig_NumberOfReportableSegmentsDisclosedByDefinitionFlag" abstract="false" name="NumberOfReportableSegmentsDisclosedByDefinitionFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="eig_GainOnRedemptionOfNotesPayable" abstract="false" name="GainOnRedemptionOfNotesPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_AOAndOtherExpenseAllocationsOtherUnderwritingExpense" abstract="false" name="AOAndOtherExpenseAllocationsOtherUnderwritingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_PremiumTaxesAndAssessments" abstract="false" name="PremiumTaxesAndAssessments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_BadDebtExpense" abstract="false" name="BadDebtExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_AdjustedStockholdersEquity" abstract="false" name="AdjustedStockholdersEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_AllOtherStatesMember" abstract="true" name="AllOtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="eig_PoliciesInforce" abstract="false" name="PoliciesInforce" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="eig_PremiumsWrittenGrossExcl.Adjustments" abstract="false" name="PremiumsWrittenGrossExcl.Adjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_FinalAuditPremiumAccruals" abstract="false" name="FinalAuditPremiumAccruals" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="eig_SurchargesAndAssignedRiskPremiums" abstract="false" name="SurchargesAndAssignedRiskPremiums" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
